Credsub (credit subscribing) EEECI (easy economical enhancing credit innovation) or new economical enhancing credit innovation (NEECINN/NEECIN):

Abstract

Subscribing Credit plans with unlimited and limited life with a Paperless electronic checking system, electronic checkbook, credit card system with a utility card carrying four digits, with disposable or static numbers, using a personal software dialer/connect to login to a web template for fraud-less transaction. Purchase and or lease Credit without interest or with interest at a fix or unfix APR renewable. Credit increase by purchasing higher plans. Payment on outstanding balance over $50 is 2%-5% minimum, balance $50 and under is 25%-50%. Security feature (Checkact) that lock and unlock checks or financial card. Escrow features certify checks and allowed the payee to deposit it without using a bank teller or entering the bank. PYN prevents payee and payer from seeing each other account number on the check. Account has no accruing interest on outstanding balance. C-pay allows payment through any, Credsub issuer.

1 . The method of Conveniences Payment/CPAY: Making payment at a financial institution that issue's Credsub accounts, using Your PYN/ID, even if the issuer did not issue your account.  
     
     
         2 . The method of Payer number (PYN): is a special/standardize financial number (ID) or USFIN (Universal Standardize Financial Identification Number) that identify an individual anywhere in the world using Credsub or Disposable Financial Tools (DFT). 
 It is also used for establishing accounts with banks and lenders.    when making bank deposits, it will be on the deposit slip and the back of a deposited check depending on the version, replacing the account number to prevent a the payee and payer from seeing each other account number, and someone that may come in contact with the check, avoiding fraudulent acts.    and with payment on accounts that are credited.    
     
     
         3 - 4 . (canceled)  
     
     
         5 . The method of Checkact: Is a security feature/process that act as a key to lock and unlock a check or financial card, allowing it to have access or from gaining access to the cash/credit in the account. 
 Using a serial number or ATV number to allowed the check/card number and total amount that is on the card or written on the check, to be available when the card is used or check is deposited.    Or make the cash/credit available for the specific card/check number to be used or drawn against or cleared.    When a check/card is activated the total amount activated will automatically be subtracted from the account.    
     
     
         6 . (canceled)  
     
     
         7 . The method of Escrow check (Certified check), a check Certified by the account holder himself without using a bank teller, and as a payee, you can deposit it, without seeing it, endorse it without touching it or without using a bank teller or entering the bank, and comes with a monthly subscription fee (Escrow fee).  
     
     
         8 . The method of Lfee (Credsub) establishing an account with a line of credit that has no first in first out payment on outstand balance, with a credit card account is an a and a paperless Electronic Check with a checking account line of credit that does not increase year after year. 
 Checks numbers does not run in numeral order unlike regular checks e.g. 1012, 1013, 1014 and a paper check converted into a paperless check.    Credit is increase when Subscribers purchase or moved to higher plans and when bonuses are increase. Account does not carry any accruing interest on outstanding balance, but special offers with bonuses are allowed accruing interest when part or whole bonus is used.    There is no late payment fee if a subscriber pays his monthly subscription fee and do not pay on his outstanding balance.    The image of the check on the screen with the total amount payee name and the paver signature forming a completed paper less check, ready to be deposit with a single touch of a key by the payee or merchant without entering the Bank, and the process of Lfee check cash amount payee name, check number, account number or PYN/USFIN, payer name and signature sent to a clearing house check image, without the image of check itself to be processor.    Lfee (Subcheck) is can be process and approved in front of the paver within a minute or two electronically, without using a paper check as part of the process and avoiding a returned or bounce check.    The account holder can deposit a check in any account anywhere in the world from any place.    Sent checks can be canceled or the funs can be made unavailable to the recipient even if the funs are in foreign banks without the authorization of the foreign Government.    
     
     
         9 - 12 . (canceled)  
     
     
         13 . The method of Credsub subscribing credit plan (LaLoo plan) system, where by choosing credit with or without accruing interest on outstanding balances, with a limited/Tcredit for/to 3 years or unlimited life, for a credit card, checking account, and as a bundled service without any cash advance or transfer fee charges to the end user. 
 Accounts are setup or activated over the counter/store front by choosing a lender/issuer from a list of multiple lenders on the Lfee network and the account is renewable after the term.    Deposit made to start the account is none interest bearing none accessable or withdraw-able until the end of the term, but lenders may offer interest bearing as an option.    Deposits is used by a lender when there is an outstanding balance at the end the term.    Purchase bonus is used by the issuer to payoff outstanding balance at the end of the term or automatically become void if not used.    
     
     
         14 . (canceled)  
     
     
         15 . The method of Lazy Check (Sleepy Check): A is a paperless electronic check with the cash amount entered manually or scanned from a paper check. 
 When process and approved, a copy of the used check is printed in the form of a receipt that requires the payer signature as the only form of writing from the payer on the check, and it is done only after the check is process and approved.    The check is awaken and displayed when a Subcheck (Lfee) holder ID card, or check is scanned or the number on the paper check is entered manually and the enter button is press.    The ID is access an electronic checkbook dater base, allowing the check number to automatically appeared on the lazy check, with a number not yet publish on the holders paper check or check book.    With a Lfee ID, you can purchase goods and services with a check, have the check process, approved and get a copy of the used check without writing or providing an actual check.    
     
     
         16 . The method of Lfee card Carrying a four-digit number or 3-10 digits, for general Internet transaction quarterly billing for subscription payment and ISP (Internet Service Providers), Utility and mortgage Company and the purchase of fixtures for the mortgaged home using a Ufix/static card number (utility fix card).  
     
     
         17 . The method of Lfee card in two flavors, disposable (UD card), Ufix card number and a PYN/USFIN using a Lfee personal setup software dialer/connecter template as a security feature on any computer connect to the Internet, then double clicking the Lfee connecter/dialer icon and using a password or pin number, when login to the network, the PYN/USFIN and Ufix card number or PYN/USFIN displaying on the gateway template on a web site. 
 When making purchase at a web site and clicking Lfee prompting the personal Lfee software to pop up. Cardholder will choose the utility Companies he wants to pay, then enter the amount paving and press pay or enter account number, Utility card number and amount then press pay.    When issue as a mortgage card (Lfee m), it is issued or healed against the down pavement on the building.    The Lfee cash advance check amount links to a conventional checking account with zero monthly maintenance fee, to avoid penalty for accounts that are none transferable and is subtracted from credit line. The account will have automatic withdrawal from the amount allowed for cash advance checks and bonuses into the conventional account.    With deposit required to start an account ranging from $5, to 5% to 10% of the credit amount approved. line of credit must be approved before making the deposit or opening the conventional account, and the card is limited to or can only be used by the account-holder himself or authorize user for accounts that carry or link to his name and address.    And by making each card number different and linking it to a single PYN/USFIN which is also different, they can only work together when programmed together, if PYN/USFIN: 22214 is programmed for Ufix: # 9111. Ufix: 1295 would not work if not programed.    Only the card number is used in the transaction, not the card itself, merchant will not see payer account number at any time during the tansaction, so there is no need for a pin number, because the card only carry the 4 digits number as a number holder, not the account number or the holder's name, but it can be optional. The payer will be limited only to the account number and amount he pays, unless given a pin number by the payee (utility Company).